Sentences with phrase «value coverage because»

Some people in Union Grove are going to want actual cash value coverage because it will have cheaper premiums.

Many people mistakenly choose the actual cash value coverage because, quite frankly, it sounds good.

Not exact matches

However, because the premiums for term insurance become more expensive as you get older, cash value insurance, which has level premiums, may be the more economical option if you want coverage throughout your life.

«Consumers have adopted the HotSpot @Home service because it provides great in - home coverage and unsurpassed value.

Education is one of our core values because we believe that everyone should have access to coverage and it's hard to access something you don't know is available.

Can you imagine thinking you got a deal on your renters insurance in Allendale, and then realizing after a massive fire loss that the reason you got the deal is because you only have actual cash value coverage?

We do this because education is one of our core values, and we firmly believe that the more people understand what it is they're buying, the more care they'll take in getting the right coverage instead of just «getting the cheapest thing that will make the landlord happy.»

Your renters insurance policy is written with actual cash value because that's the base default coverage.

You need replacement cost coverage on your policy because you do nt» want to receive the actual cash value of, for instance, your couch.

Make sure you ask for renters insurance replacement cost coverage — Effective Coverage strongly encourages this because you don't want the depreciated actual cash value of your property — you want an amount of money that will allow you to replace the property with new of like kind and quality.

Failing to purchase a renters insurance policy because you don't own many valuables is a mistake for two reasons: Almost everyone's personal belongings are worth more than they estimate and this philosophy completely disregards the value in liability and loss of use coverage.

All these policies are significantly more expensive, easily 10 times the cost of term insurance, because they offer lifetime coverage and have a cash value component.

If someone else is responsible for a loss to the contents of your apartment because of their negligence, their liability coverage could pay you actual cash value, but let's face it: You don't want the actual cash value of your stuff.

Cash value insurance is permanent life insurance because it provides coverage for the policyholder's life.

You want «replacement cost» coverage, because «actual cash value» coverage isn't enough to go buy new property of like kind and quality.

Because Effective Coverage is focused on the needs of tenants, your New Hampshire renters insurance policy will be the best combination of value and coverage that meets your needs.

It is called asset based long term care insurance because the LTC coverage is attached to cash value life insurance.

Cash value life insurance coverage usually guarantees a rate of return around 4 % with today's interest rates and this return should be viewed as a baseline because the non-guaranteed portion of the policy includes dividends that are tax free and reinvested.

Value stocks» outperformance is even more pronounced for small and mid cap companies, because they tend to trade at even bigger discounts due to illiquidity and lack of analyst coverage, as well as being able to achieve higher growth rates than larger companies.

We believe that everyone should have replacement cost coverage, because the actual cash value of your property is generally much lower than you'd expect it to be.

It is because of this cash value and the lifetime coverage that whole life insurance has higher premiums.

The standard homeowners policy also isn't appropriate for certain high - value or historic homes because of potential coverage gaps or the cost of rebuilding a historic structure.

You need a policy with replacement cost, because actual cash value coverage for electronics and other expensive items simply isn't practical.

Replacement cost coverage is more expensive than actual cash value because your policy will pay to restore your property to new should it be damaged, while actual cash value accounts for depreciation.

A return of premium life insurance policy is nice because you have life insurance coverage for a specified period of time, but if you live beyond that term, then you get the value of the premiums that you have paid returned to you.

Education is part of our core values, because the reason many Texans don't have coverage is tied directly to a lack of understanding of the importance of it.

We've made education part of our core values because we are working towards getting every renter in America insured, and the only way to do that is to show people the value inherent in the coverage.

«Many people are under - insured because the total value of their personal property is more than the personal property coverage in their policy,» Bodrozic says.

Because of this cash value and the lifetime coverage, whole life insurance has higher premiums (up to five to ten times higher) than level term life insurance.

Premiums are often much higher than a term life insurance policy with the same amount of coverage because you're paying for an insurance policy as well as putting money into the cash value portion of the policy.

Replacement cost coverage for your mobile home tends to cost more than actual cash value coverage does because the insurance company commits to paying out more for losses.

That's because there are several key «value indicators», that inform how an artist's work performs at auction: gallery exhibitions, solo museum shows, museum collection representation, and significant press coverage.»

I think you should carry more insurance coverage than your used to because I've seen the look on a person's face when they learn difference between Replacement Cost and Actual Cash Value the hard way.

Of course it follows that Universal policies cost much more than term because they provide lifetime coverage, death benefits and guaranteed cash value accumulation.

If you have actual cash value coverage, you'll probably pay less each month for insurance, because you'll be reimbursed based on the value of your property at the time of a collision.

Like with all whole life insurance policies, this is a more expensive option offered by Investors Heritage, but that's only because the coverage is guaranteed for life and builds cash value.

Because this is whole life insurance, the benefit amount of the coverage can not be decreased — and the policy will also build up cash value.

That's because with this type of coverage, part of your monthly premium goes into an account that builds up cash value this does not happen with a term life insurance policy.

Because it is a permanent plan, this policy offers life insurance coverage, along with cash value build up.

This can be of great value, because as life changes, a sudden disability or health condition could cause you to become uninsurable, or greatly increase your rates for any new or additional coverage.

Replacement cost coverage for your mobile home tends to cost more than actual cash value coverage does because the insurance company commits to paying out more for losses.

It's the cheapest form of life insurance because it is only a defined coverage period, not your entire life, and does not have a cash - value aspect.

I recommend whole life insurance for everyone because the benefits of coverage, the building up of a cash value, and the fact that an individual is covered more than 20 or 30 years is always a plus.

Because it offers lifelong coverage, as well as the potential for cash value benefits, whole life insurance is understandably a more expensive option in most instances.

Because of this cash value and the lifetime coverage, whole life insurance has higher premiums (up to five to ten times higher) than level term life insurance.

So, in general, Increasing Term Insurance is not the best type of insurance for you if you are interested in long - term protection because increasing premiums reduce the value of the coverage.

Your insurer should be informed of any major renovations to ensure you have adequate coverage, because, in the event of a total loss (like fire) you'll only be covered for the replacement value they have listed on your policy.

It is because of this cash value and the lifetime coverage that whole life insurance has higher premiums.

«This to some extent makes sense because the cost of providing physical damage coverage is greater for newer cars than older cars, because of their value.

Because the costs are paid in full and upfront, the cash value can grow quickly and your insurance coverage is entirely paid by the account value of the policy which grows if the underlying investment earnings are positive rather than with annual premiums.